Our top picks in the region.

Welcome to Basel Renovation Finds — a curated selection of properties with untapped potential.

If you’re an expat looking to create your dream home and build equity, this space is for you.

We collaborate with trusted real estate agents to spotlight homes and apartments that are ready for transformation. Each listing includes suggested renovation ideas, estimated costs, and layout inspiration to help you see what’s possible — before you even move in.

Whether you're looking for a smart investment or a fixer-upper with character, these properties are handpicked with creativity and value-building in mind.

How do mortgages work in Switzerland? Here is a quick guide.

Key Basics

You’ll typically need 20% of the purchase price as a down payment

At least 10% must come from your own savings (not pension funds)

The bank covers the other 80% as a mortgage loan

Note: If you plan to purchase as an invesment property you typically need a 25% down payment

Mortgages are often split into two parts:

1st mortgage: up to 65% – repaid slowly or not at all

2nd mortgage: 15% – must be repaid within 15 years

Good to Know

Swiss mortgages often don't require full repayment, meaning you can preserve cash flow

Interest is tax-deductible in many cases

You can finance renovations as part of the mortgage, especially if the upgrades add value — like a kitchen remodel or insulation

Why This Matters for Renovators

You may be able to borrow extra funds for renovation costs when buying — meaning you can upgrade your home immediately without draining your savings.

Example:

Buying a house for CHF 800,000 with CHF 100,000 in planned renovations? The bank may finance both, provided the total value supports it.

Always speak with a mortgage advisor early — we can connect you with our trusted English-speaking mortgage advisors.